New member of the union

As a new member of the union you’ll get a basic package with four important kinds of insurance completely free of charge for three months.

After three months you can choose to keep the package, or put together a package that suits you better. You don’t need to fill in a health declaration when you buy selected insurance during this period.

If you don’t make a choice everything will be cancelled automatically at the end of the period.

The basic package

• Accident insurance, 40 price base amounts* (2,100,000 kr)
• Disability insurance, 2,100 kr
• Incapacity compensation insurance, 10 price base amounts (525,000 kr)
• Life insurance, 10 price base amounts (525,000 kr)

*1 price base amount in 2023 = 52,500 kr. All insurance amounts are calculated using the 2022 price base amount.

Keep your package

Log in to Mina Sidor where you can choose to keep your package after three months or put together a personal package of those insurances that suits you better.

Your spouse, registered partner or cohabitant can also take out insurance with us

When you’re a member of one of our affiliated unions you can send an invitation to your spouse, registered partner or cohabitant via Mina Sidor. If they accept the invitation they will have the same prices as members and the same good terms. Their insurance will be based on their own needs and they don’t have to buy the same policies as you.

You can send an invitation to your spouse, registered partner or cohabitant if:

• you are both registered at the same address, and
• you already have at least one personal insurance policy (for example, disability, healthcare, accident, diagnosis, life or health and accident insurance) with us.

About the insurance policies

Accident insurance

Security if an accident happens

• Valid round the clock
• No exceptions for high-risk activities
• An important complement to the protection offered by society

Unexpected, sudden and hard to prevent. Accidents are like that. What you can protect is your economic security if an accident does happen. Our accident insurance compensates you for the expenses you have had as the result of an accident, such as costs for travel, rehabilitation and therapy. And if the accident should result in an impairment which means you can’t work as before, or you need to adapt your home, the insurance makes a big difference and is an important complement to the protection offered by society.

Disability insurance

You could also call it sick leave insurance

• Support both before and during sick leave
• Access to a psychologist, therapist or health coach when you need it
• Tops up loss of working income

A normal disability insurance policy tops up your monthly income if you are off sick. Our disability insurance gives you help even before that. It allows you to speak to a psychologist, coach or conversational therapist if you feel psychologically unwell, or are anxious or feeling the strain of work. Our aim is prevention, so that you won’t need to take sick leave.

Incapacity compensation insurance

A lump sum payment if you’re off sick for a long time

• Extra financial support if you’re off sick for a long time
• Valid whatever the reason you’re off sick
• Diagnosis compensation and conversational support are included

Long or frequent periods of sick leave can have a serious impact on your financial situation. Society’s protection isn’t always enough, and some extra financial support can make all the difference when it comes to managing in the long term. Incapacity compensation insurance gives you that security. It pays out a lump sum if you’re unable to work for a long period of time, no matter whether it’s because of illness or accident. 

Life insurance

Security for your family if the worst should happen

• Money for your survivors if you die
• You can increase the compensation
• You choose who’ll receive the money

A life insurance policy won’t ease the grief, but it can give your family financial security if you should die. The compensation is paid out as a lump sum which could mean your family can stay in their home, pay their monthly costs and adjust to living on one income. You decide who’ll receive the money. If you don’t make a choice it will automatically go to your spouse, registered partner or cohabitant, and after that to your heirs.